Solvay BankSOBS 65 Return-on-Tangible-Equity is 6.65% as of Dec. 2025, which is 34% below its 10-year median of 10.08. GuruFocus rates SOBS with a GF Score™ of 65/100 and a GF Value™ of $28.23 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Solvay Bank ranks worse than 75.93% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Solvay Bank's annualized net income for the quarter that ended in Dec. 2025 was $5.75 Mil. Solvay Bank's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $86.50 Mil. Therefore, Solvay Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 6.65%.
The historical rank and industry rank for Solvay Bank's Return-on-Tangible-Equity or its related term are showing as below:
SOBS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.78 Med: 10.08 Max: 12.71
Current: 6.65
During the past 13 years, Solvay Bank's highest Return-on-Tangible-Equity was 12.71%. The lowest was 5.78%. And the median was 10.08%.
SOBS's Return-on-Tangible-Equity is ranked worse than 75.93% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs SOBS: 6.65
Solvay Bank (OTCPK:SOBS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Solvay Bank Return-on-Tangible-Equity Related Terms
Solvay Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Solvay Bank's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SOBS vs REDW, BKOR, MCBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Solvay Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Solvay Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Solvay Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Solvay Bank's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.65% mean?
Solvay Bank (SOBS) has a Return-on-Tangible-Equity of 6.65% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Solvay Bank and its competitors. This is 34% below median its historical median of 10.08. Over the past decade, Solvay Bank's Return-on-Tangible-Equity has ranged from 5.78 to 12.71. According to the industry distribution chart, Solvay Bank ranks #1158 out of 1525 companies in the Banks industry, placing it in the top 75.9%.
Is Solvay Bank's Return-on-Tangible-Equity too high?
Solvay Bank's current Return-on-Tangible-Equity of 6.65% is 34% below median its 10-year median of 10.08. Over the past 10 years, this metric has ranged from a low of 5.78 to a high of 12.71. The Banks industry median Return-on-Tangible-Equity is 11.21. Solvay Bank's value of 6.65% is 40.7% below this industry median. Based on the distribution chart, Solvay Bank ranks #1158 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Solvay Bank has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvay Bank's Return-on-Tangible-Equity compare to REDW and BKOR?
According to the Banks industry distribution chart, Solvay Bank ranks #1158 out of 1525 companies for Return-on-Tangible-Equity. This places Solvay Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Solvay Bank's value of 6.65% is 40.7% below this benchmark. Historically, Solvay Bank's own Return-on-Tangible-Equity has ranged from 5.78 to 12.71 over the past decade. While the company's 10-year median is 10.08 vs. the industry median of 11.21, Solvay Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Solvay Bank's current Return-on-Tangible-Equity of 6.65% is 40.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Solvay Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvay Bank's current Return-on-Tangible-Equity is 6.65%, which is 34% below median its own 10-year median of 10.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvay Bank stock overvalued right now?
Based on GuruFocus' analysis, Solvay Bank (SOBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $28.23, compared to a current price of $34.00 — trading 20.4% above its estimated fair value. The current Return-on-Tangible-Equity is 6.65%, which is 34% below median its 10-year median of 10.08 and 40.7% below the Banks industry median of 11.21. Solvay Bank's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Solvay Bank (SOBS), the current Return-on-Tangible-Equity is 6.65% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Solvay Bank (SOBS) Overvalued in 2026?
Based on GuruFocus' analysis, Solvay Bank stock appears to be overvalued.
The current stock price of $34.00 is trading 20.4% above its estimated GF Value™ of $28.23.
GuruFocus considers Solvay Bank to be Modestly Overvalued.
Key valuation signals for SOBS:
Return-on-Tangible-Equity: 6.65% (34% below median its 10-year median of 10.08)
GF Value™: $28.23 vs. price of $34.00 (20.4% above fair value)
Industry Position: 40.7% below the Banks median (#1158 of 1525)
No single metric tells the full story. See the SOBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solvay Bank is a United States based community bank. It offers personal and business banking services. The bank provides business loans, deposit accounts, small business administration, commercial real estate, special lending programs, electronic services, merchant services and other banking services. The objectives of its security portfolio are to provide liquidity for future funding needs, a safe and lower-risk investment alternative for idle funds, and a stable source of core earnings.
65GF Score
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